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Bajaj FinservTwo-Wheeler LoansFixed Interest Rate

Bajaj Finserv Two Wheeler Loan

Up to 100% on-road financing available on select motorcycles and scooters · Flexible repayment options extending up to 60 months · Digital KYC and rapid disbursement within 24 hours

Starting rate11.99%per year se
Max LTV100%Asset value
Max tenure5 saal60 mahine
Is example ko apni borrowing needs ke hisaab se customize karein.
Repayment customize kareinApply karein: Bajaj FinservBank site · naye tab mein khulega
Mathematical Grounding

True cost aur Day-1 cash breakdown

Representative scenario for ₹1,50,000 loan over 5 years at CIBIL 750+.

Day-1 Upfront Cash Outflow₹5,310

This cash must be paid out-of-pocket before disbursement and is not added to your loan EMI.

Processing Fee₹4,500
18% GST₹810
Legal & Valuation₹0
Estimated Monthly EMI₹3,336Per month for 60 installments
Total Lifetime Interest₹50,160Net interest outgo over 5 years
Total Lifetime Outgo (Principal + Interest + Day-1 Cash):₹2,05,470
CredSutra Intelligence

Loan verdict aur maths

Our algorithmic evaluation balances starting benchmark spreads against upfront processing loads and fine print restrictions.

Maths favour mein

  • +Bajaj Finserv ka trusted institutional network aur flexible repayment terms.
  • +0% Prepayment penalty (RBI mandate): Part-prepay ya foreclose anytime with zero financial penalty.

Maths against

  • −Processing fee 3% (cap ₹4,500) + 18% GST upfront Day-1 cash commitment badhata hai.
  • −Self-employed borrowers par +40 BPS (0.40%) extra risk markup lagta hai.
  • −Low CIBIL score (<700) par interest rate escalate hokar 19.00% tak ja sakta hai.
Is scenario ko customize karein
Credit Score Sensitivity

CIBIL score ke hisaab se rate ladder

Self-employed risk loading: +40 BPS
CIBIL score bandBorrower tierIndicative salaried rateIndicative self-employed rateEstimated monthly EMI (₹1,50,000)
750 – 900Prime borrower11.99% – 14.50%12.39% – 14.90%₹3,336
700 – 749Good standing14.50% – 17.00%14.90% – 17.40%₹3,529
650 – 699Standard / fair17.00% – 19.00%17.40% – 19.40%₹3,728
Contract Details

Contract ki terms & Clauses

Rate Reset Frequency

Fixed rate contract for entire loan tenure

Overdraft / Smart Saver Facility

Not available on this product tier

RBI 0% Foreclosure Penalty Mandate

Under RBI Master Directions, no bank, HFC, or NBFC can charge prepayment penalties or foreclosure charges on floating rate term loans sanctioned to individual borrowers.

Bank notes: Part-prepayment and full foreclosure allowed after payment of first EMI with 4% fee.

Borrower Verification

Main eligibility conditions

  • Age 21 to 65 years
  • Minimum monthly income ₹15,000
  • Resident of current address for at least 1 year
Loan amount range

₹25,000 se ₹5,00,000

Lender Alternatives

Is category mein options: Two-Wheeler Loans

Is category ko compare karein
TVS Credit Services

TVS Credit Two Wheeler Loan

Starting at 12.50% p.a.
Review padhein
Hero FinCorp

Hero FinCorp Two Wheeler Loan

Starting at 13.00% p.a.
Review padhein
HDFC Bank

HDFC Bank Two Wheeler Loan

Starting at 14.50% p.a.
Review padhein

Frequently Asked Questions

Bajaj Finserv Two Wheeler Loan ka current interest rate aur benchmark spread kya hai?
Bajaj Finserv Two Wheeler Loan ki interest rate 11.99% se 19.00% p.a. ke beech hai, jo Fixed Interest Rate par pegged hai.
Kya Bajaj Finserv Two Wheeler Loan par foreclosure ya prepayment penalty lagti hai?
RBI Master Directions ke hisaab se individual floating rate borrowers par 0% foreclosure penalty hoti hai. (Bank note: Part-prepayment and full foreclosure allowed after payment of first EMI with 4% fee.)
Bajaj Finserv Two Wheeler Loan ke liye Day-1 upfront cash kitna lagta hai?
Representative ₹1,50,000 loan par estimated Day-1 upfront cash ₹5,310 hai (Processing fee: ₹4,500 + GST: ₹810 + Legal/Valuation: ₹0).

In loan records mein verification date nahi hai. Apply karne se pehle lender ki current terms check karein.

Official sources & citations
Sources
  • bajajfinserv.in
  • RBI Master Directions for Non-Banking Financial Companies (NBFCs)
  • RBI Regulatory Framework for Retail Loan Interest Rate Resets